The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,164
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,791
−HK$637/mo
Today · 4.125%
HK$21,428
baseline
▲ 0.50% · 4.625%
HK$22,732
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,856/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,432
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,033
−HK$611/mo
Today · 4.125%
HK$23,644
baseline
▲ 0.50% · 4.625%
HK$24,890
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,288/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,196
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,949
−HK$765/mo
Today · 4.125%
HK$25,714
baseline
▲ 0.50% · 4.625%
HK$27,278
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,428/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,918
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,640
−HK$733/mo
Today · 4.125%
HK$28,373
baseline
▲ 0.50% · 4.625%
HK$29,868
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,746/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,229
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$892/mo
Today · 4.125%
HK$29,999
baseline
▲ 0.50% · 4.625%
HK$31,825
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,998/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,405
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,247
−HK$854/mo
Today · 4.125%
HK$33,101
baseline
▲ 0.50% · 4.625%
HK$34,846
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,202/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,295
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,423
−HK$1,148/mo
Today · 4.125%
HK$38,571
baseline
▲ 0.50% · 4.625%
HK$40,917
+HK$2,346/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,142/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,377
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,460
−HK$1,099/mo
Today · 4.125%
HK$42,559
baseline
▲ 0.50% · 4.625%
HK$44,802
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,118/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,282 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).